The client was an internationally based high-net-worth individual who had recently relocated to the UK and wished to purchase a prime London residence valued at approximately £23 million. With significant global wealth and offshore income streams, the client required a lender able to assess their full international financial position rather than relying solely on UK-based documentation.
The client sought a facility of up to 75% LTV (circa £17.25 million) with interest-only servicing, multi-currency flexibility, and repayment alignment to offshore income schedules. As a newly relocated borrower, the lender also needed to accommodate limited UK credit history.
Arranging a high-LTV international mortgage for a newly relocated client required lenders experienced in cross-border wealth assessment, multi-currency drawdowns, and flexible repayment structures. Ensuring that the facility matched the scale of the property while mitigating currency risk was critical.
Enness conducted a targeted search across private banks in the UK, Europe, and the US. Several lenders offered structures with interest-only servicing, multi-currency drawdown options, and optional interest roll-up. The recommended facility balanced LTV, liquidity considerations, and repayment flexibility while supporting offshore income management.
A bespoke international mortgage between 65% and 75% LTV was secured, enabling the client to complete the London property acquisition efficiently shortly after relocating. The facility provided flexibility, aligned with offshore income schedules, and offered long-term support for the client’s UK residency and financial planning objectives.
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Property values can fall as well as rise, and you may not get back the amount originally invested. Property investments can be illiquid and may take time to sell. Where borrowing is used, your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
